1. Japan Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Seven Bank, Ltd.

Seven Bank, Ltd.

SEBNF
Seven Bank, Ltd.US flagOther OTC
1.78
USD
- -
- -
1.74BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
68.11
73.45
78.59
81.47
81.86
84.26
90.11
91.04
86.14
85.38
94.76
122.17
133.86
63.02
Basic EPS, GAAP
16.27
17.83
19.5
20.75
21.08
21.24
11.11
22.14
22.01
17.72
16.03
27.26
15.57
-0.55
Free Cash Flow per Basic Share
81.19
57.01
65.57
40.74
60.56
10.14
88.71
62.6
94.15
14.48
35.08
52.42
-71.72
- -
Dividend per Share
6.85
7
7.75
8.25
8.74
9.5
10.25
11.54
11.02
11.03
11.03
11.06
11.04
- -
Book Value per Share
89.11
99.94
111.69
124.19
136.53
148.32
149.21
157.8
169.46
176.31
181.26
198.29
203.24
202.63
Tangible Book Value per Share
89.74
99.78
112.73
126.31
138.16
147.83
156.31
163.48
169.8
179.07
186.99
195.31
198.62
198.48
Basic Weighted Avg Shares
1,191
1,191
1,191
1,191
1,191
1,191
1,191
1,182
1,177
1,176
1,176
1,173
1,170
1,170
Sales/Revenue/Turnover
81,109
87,481
93,597
97,025
97,527
100,354
107,353
107,575
101,368
100,375
111,439
143,285
156,657
73,717
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
14,180
13,614
17,184
19,848
19,726
18,092
18,016
14,634
14,070
16,388
19,556
23,392
29,173
- -
Net Income, GAAP
19,377
21,236
23,220
24,716
25,114
25,301
13,236
26,162
25,905
20,827
18,854
31,970
18,221
-640
Effective Tax Rate (%)
38.23
38.9
36.98
33.15
31.28
33.71
48.61
34.38
27.82
23.83
32.32
29.18
36.65
110.01
Profit Margin (%)
23.89
24.27
24.81
25.47
25.75
25.21
12.33
24.32
25.56
20.75
16.92
22.31
11.63
-0.87
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
201,300
136,000
126,000
125,022
130,000
105,000
145,000
105,196
105,591
106,936
144,958
194,052
98,343
140,983
Total Equity
138,044
153,406
169,888
184,793
199,077
212,023
212,886
222,830
234,675
244,111
254,240
275,854
282,486
281,979
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
19.28
18.86
18.42
17.6
16.17
14.91
7.47
14.37
13.43
10.24
8.97
14.35
7.75
-0.27

Capital Structure

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,170
- -
1,170
Market Capitalization
373,836
395,448
353,101

Working Capital

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
988,932
- -
933,866
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.25%
4.88%
2.4%
Free Cash Flow
59.3%
-16.01%
-236.52%
Net Income, GAAP
5.53%
-0.7%
-43.01%
Sales/Revenue/Turnover
5.64%
8.44%
9.33%
Total Cash Common Dividend
3.54%
-1.05%
-0.35%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
30,945
38,623
39,921
33,796
143,285
2025
- -
- -
- -
- -
156,657
2026
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4.52
- -
- -
- -
27.26
2025
- -
- -
- -
- -
15.57
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
11.06
2025
- -
- -
- -
- -
11.04
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Masaaki Matsuhashi
Full Time Employees
1,301
Sector
Financial Services
Industry
Banks - Regional
Address
1-6-1, Marunouchi Tokyo Japan 100-0005
IPO Date
Dec 3, 2009
Website
sevenbank.co.jp
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Business
Seven Bank, Ltd. (SEBNF) operates as a specialized financial institution focused on ATM platform services, retail banking, corporate solutions, and overseas expansion; it maintains a network of approximately 28,000 ATMs across Japan at Seven & i Group stores including 7-Eleven, shopping centers, airports, and stations, alongside digital banking platforms. The company provides core products and services such as ordinary deposits, time deposits, loans including card loans, international money transfers, debit cards, credit cards via Seven Card Service Co., Ltd., electronic money services, and point programs; ATM functionalities encompass cash deposits/withdrawals, top-ups for cashless payments, account openings, and information services; corporate offerings include 24/7 ATM cash receiving and collection, back-office operations, anti-money laundering support, fraud detection, and online authentication platforms through subsidiaries like Bank Business Factory Co., Ltd., Seven Payment Services, Ltd., and ACSiON, Ltd. Overseas, it delivers ATM operations in the United States via FCTI, Inc., Indonesia through PT. ABADI TAMBAH MULIA INTERNASIONAL, the Philippines with Pito AxM Platform, Inc., and Malaysia via Reachful Malaysia Sdn. Bhd., targeting diverse settlement needs with plans for broader financial services. Founded on April 10, 2001 and headquartered at 1-6-1 Marunouchi, Chiyoda-ku, Tokyo, Japan, Seven Bank serves individual and corporate clients primarily in Japan with extensions to Southeast Asia and North America as a subsidiary of Seven & i Holdings Co., Ltd. Recent developments include a capital and business alliance with ITOCHU Corporation announced in August 2025, involving ITOCHU's acquisition of 16.35% voting rights via third-party allotment and up to an additional 3.65% for equity-method accounting, aimed at integrating financial services across FamilyMart stores; parent Seven & i Holdings plans to reduce its stake below 40% for deconsolidation by late 2025; subsidiary expansions feature Reachful Malaysia Sdn. Bhd. established in May 2024 and Seven Payment Service, Ltd. restructured as of April 2025.